A highly political title for this post and I promise I will tread lightly so not to offend people who are sensitive on this topic. But please read on.
When my mother-in-law was in the process of moving to our country to live with us, we were shopping for health insurance to cover her while visiting. It was expensive but readily available at dozens of insurance companies that did business in our state. However, at the same time, Obamacare was passed which I felt was a good thing for us personally but that it wasn't going to solve the problem of high healthcare costs. So instead of buying insurance privately, which wasn't allowed anymore in her case, we were forced to go through Obamacare which I again stress, was a good thing for us personally. We had problems along with millions of others during the initial rollout but that was to be expected and eventually we got to select between over a dozen plans. My mother-in-law was fully insured for a little over $400/month, about half what we were going to have to pay had Obamacare not been passed. Because we were footing the bill and she was working, there were no government subsidies and we had to pay every penny. I wasn't surprised.
The following year the number of insurance plans to choose from decreased from a dozen to about six and the premiums went up to $600/month. Year number three the premiums went up to $800/month and we only had a single plan to choose the only company that sold insurance for our county. The state still had two other insurers but they each only covered certain regions. This year is year four and the premiums are now over $1000+/month and there is only one insurer for the entire state (the other two quit after last year) and the remaining insurer has announced that they probably won't be offering health insurance next year. The local news says that there won't be a single health insurer in our state next year to provide health insurance for those privately buying it. We will be in an "insurance blackout." I have yet found an answer to what an insurance blackout is or what it will mean to my mother-in-law this fall when it is time to re-enroll her into an insurance plan.
On a daily basis I'm inundated with stories of people whose lives have been saved by Obamacare. I rarely hear stories of people being priced out of the market and haven't heard a single story about what happens when all the insurance companies stop selling insurance because they can't afford to follow the rules of Obamacare.
Now they are designing Trumpcare.
The first go around sounded like a disaster waiting to happen and I for one was extremely glad it didn't get support enough to pass. Anything this broken, and yes Obamacare is broken, can't be fixed overnight. It takes lots of careful though and analysis and frankly, I don't think either political party is capable of either of those things these days. Lately with the passage of a bill in the house and as I write this, 13 men working on a bill in the senate, I'm not hopeful. None of the proposed legislation that I have seen specifically addresses the issue of insurance companies refusing to sell insurance privately because it isn't profitable, and yes I think they need to earn a profit just like any other business. The only glimmer of light that I can see is that any plan that replaces or fixes Obamacare will change the business model enough insurance companies will once again be able to sell insurance and make some sort of profit while those of us buying can afford it. Still nobody has attempted to fix the initial problem.
The initial problem was the skyrocketing cost of healthcare. Obamacare didn't address it, only shift who pays for it. Trumpcare hasn't addressed it that I've seen, only shift the burden of who pays for it back closer to the way it was before Obamacare.
I think that we are going to have to accept that we can't insure everybody exactly the same because we all are different and have different needs. I for example, don't need pregnancy coverage but would probably elect to have prostate coverage. Some of us are going to have to pay more than others because some of us have different health needs than others. I would fully expect my mom with brain cancer would have to pay more for insurance than a recent college graduate track star. It makes sense. To force both to pay the same only insures that the track star is paying for something they will never need for years to come and that my mom will probably get substandard care because she makes insurance companies lose money. The one idea for reducing the initial problem of skyrocketing healthcare by eliminating borders and thus forcing insurance companies to compete on a national scale doesn't ever seem to gain traction.
I'm extremely frustrated right now because I'm caught in the middle. One side won't admit their plan is broken and the other side is trying to replace it with something that has less thought put in it than your typical elementary science project. My Facebook newsfeed is full of posts that are nothing more than fear mongering (on both sides) and have little truth if any in them. I just wish we could all be honest with ourselves for awhile, put party pride aside and have a real discussion on how we can fix healthcare which has been broken for my entire lifetime and only made worse as the years have gone by.